Who we are
We’re redefining what it means to be insurable.
Kibou is building the first life insurance platform designed specifically for people with well-managed chronic conditions. Backed by cutting-edge clinical data, actuarial science, and a commitment to dignity, we use modern survival models—not stereotypes—to offer fair, affordable coverage to those historically left behind.
Millions of Americans living with chronic but treatable conditions—like HIV, chronic myeloid leukemia (CML), and Hodgkin’s Lymphoma—are stable, thriving, and under regular care. Yet the life insurance industry continues to label them as “uninsurable,” using outdated models that ignore decades of medical progress.
We're changing that.
We start by listening. Then we build products that reflect today’s medical reality—not yesterday’s assumptions.
We’re launching soon. And we’re doing it with transparency, science, and hope.
Want to help shape the future of life insurance?
Join our early access list or share your story